National average mortgage rates and market news
Live rate data from Optimal Blue and current mortgage market news from Mortgage News Daily. Use these as a market reference — your actual rate depends on your specific credit, equity, property, and program eligibility.
National average rate index
The Optimal Blue Mortgage Market Index (OBMMI) is a daily-updated benchmark derived from actual lock data across hundreds of lenders nationwide. It represents what borrowers are actually pricing at — not survey averages.
Source: Optimal Blue OBMMI · Updated daily
What's moving rates today
Current mortgage market headlines from Mortgage News Daily — the industry's daily-read news source for rate movement, economic data, and Fed commentary.
National averages are a reference — your number is specific.
The rates above are aggregate market data. Your actual rate depends on credit, equity, property, occupancy, loan size, and program eligibility. Run the Decision Tool to see how today's market applies to your specific situation.
Run the Numbers →Illustrative estimates only. Rate data above is sourced from Optimal Blue's OBMMI institutional index and Mortgage News Daily's published market data. These are aggregate national or regional averages, not offers. Closing costs, rates, APR, payments, lender fees, title fees, and eligibility vary by lender, property, credit profile, loan amount, and geographic location. This information is provided for educational purposes and is not a commitment to lend or a loan offer.